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Joshua kumah

@joshuakumah

Data & Business Insights Analyst at GCB Bank who reconciled USD 5M+ in transfers and turns financial data into decisions.

Finland

Message

At GCB Bank Ltd., I consolidated account, loan, and transaction data into management reporting and analysed 200+ loan applications across an approximately USD 2M portfolio. I also reconciled domestic and cross-border transfers totalling USD 5M+.

I supported an Oracle-based customer-data migration with source-to-system validation, testing, and issue documentation. My work also included investigating transaction mismatches and contributing financial analysis to vendor negotiations that reduced annual costs by 8%.

In my analytics portfolio, I created a Power BI decision dashboard with a star-schema model and DAX measures, and built an Excel blended-finance model for USD 10.175M in CAPEX. I hold an MSc in Strategic Finance & Analytics from LUT University and use Power BI, SQL, Excel, and R to turn data into decision-ready insight.

Experience

Work history, roles, and key accomplishments

Current

Service Role

Current

Luotea

Nov 2022 - Present (3 years 11 months)

Track recurring quality, schedule and inventory observations across 10+ sites; improved routines to save approximately three team hours per week and reduce material waste by 15%. Coordinate reliably with 20+ multicultural colleagues while meeting shift coverage, safety and task-completion expectations in independent, time-sensitive work.

Process Improvement Data Tracking Inventory Management Quality Assurance Scheduling Team Coordination

High School Teacher

Lighthouse Preparatory School

Oct 2021 - Jul 2022 (9 months)

Created a structured tracking approach for 120+ students that improved progress visibility by 25%; turned results into targeted interventions and clear stakeholder feedback.

Performance Monitoring Data Analysis Student Assessment Reporting Intervention Planning

Professional Accountant

GCB Bank Ltd.

Oct 2019 - Sep 2021 (1 year 11 months)

Consolidated account, loan and transaction data into daily, weekly and monthly reporting; surfaced overdue items, exceptions and service bottlenecks for management follow-up. Analysed financial statements, customer cash flows, KYC evidence and repayment capacity for 200+ loan applications across an approximately USD 2M portfolio.

Power BI DAX Power Query SQL Excel R Data Cleaning Dimensional Modeling Oracle ERP Financial Reporting Loan Analysis KYC Reconciliations vendor negotiation Fraud Detection

Treasury & Finance Officer

Student Religious Organisation, University for Development S

Nov 2017 - Mar 2019 (1 year 4 months)

Managed USD 20K+ in annual funds for a 500+ member organisation; built Excel budgets, cash-flow forecasts, allocation controls and recurring stakeholder reports. Compared actuals with plans, investigated variances and briefed leaders on liquidity, funding priorities and downside risks using scenario and sensitivity analysis.

Excel Budgeting Cash Flow Forecasting Variance Analysis scenario analysis Sensitivity Analysis Financial Reporting Fundraising

Finance Intern

Odotobri Rural Bank Ltd.

Jun 2018 - Aug 2018 (2 months)

Supported financial modelling, forecasting, reporting and market-trend analysis for business-development and operational decisions.

Financial Modeling Forecasting Reporting Market Analysis Excel

Education

Degrees, certifications, and relevant coursework

LUT University

Master of Science, Strategic Finance and Analytics

2022 - 2024

MSc in Strategic Finance and Analytics with coursework in financial analysis, business analytics, machine learning, risk, forecasting, and advanced Excel. Thesis on comparative economic growth analysis using multi-country data and panel regression.

University for Development Studies

Bachelor of Science, Accounting and Finance

2015 - 2019

Grade: CGPA 4.41/5.00

BSc in Accounting and Finance with a CGPA of 4.41/5.00 and a Merit Scholarship. Coursework included financial reporting, corporate finance, investment, banking, auditing, governance, and cost accounting.